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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $63,930 | $49,025+30.4% | $87,502-26.9% | $62,881+1.7% |
| Participation rate | 61.9% | 64.9%-3.0pp | 73.8%-11.9pp | 69.3%-7.4pp |
| Annual return | 5.14% | 10.02%-4.9pp | 12.21%-7.1pp | 20.14%-15.0pp |
| Employer contribution / active EE | $0 | $1,372-100.0% | $2,550-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $4,223 | $2,289+84.5% | $3,149+34.1% | $3,203+31.9% |
| Admin fee / account holder | $4,693 | $4,065+15.4% | $4,221+11.2% | $4,296+9.2% |